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OTHER COMMITMENTS AND CONTINGENCIES (Tables)

3 Months Ended

Mar. 31, 2025

Schedule of financial instruments with off-balance sheet credit risk


		March 31,			December 31,
		2025			2024

		(in thousands)

Commitments to grant residential real estate loans-HarborOne Mortgage		$	50,920		$	38,929
Commitments to grant other loans			48,522			25,191
Unadvanced funds on home equity lines of credit			285,840			281,890
Unadvanced funds on revolving lines of credit			242,041			270,735
Unadvanced funds on construction loans			142,615			166,726

Schedule of activity in the ACL on unfunded commitments


														Second
														Mortgages
								Commercial						and			Residential
		Commercial			Commercial			and			One- to Four-			Equity Lines			Real Estate
		Real Estate			Construction			Industrial			Family			of Credit			Construction			Consumer			Total

		(in thousands)

Balance at December 31, 2024		$	30,764		$	4,257		$	10,700		$	8,720		$	1,348		$	186		$	126		$	56,101

Charge-offs			(8,304)						(384)												(28)			(8,716)
Recoveries			4						22						10						11			47
Provision			2,360			(800)			628			(130)			(155)			(18)			6			1,891
Balance at March 31, 2025		$	24,824		$	3,457		$	10,966		$	8,590		$	1,203		$	168		$	115		$	49,323


														Second
														Mortgages
								Commercial						and			Residential
		Commercial			Commercial			and			One- to Four-			Equity Lines			Real Estate
		Real Estate			Construction			Industrial			Family			of Credit			Construction			Consumer			Total

		(in thousands)

Balance at December 31, 2023		$	21,288		$	4,824		$	8,107		$	12,101		$	964		$	418		$	270		$	47,972

Charge-offs			—			—			(228)			—			—			—			(49)			(277)
Recoveries			100			—			46			—			3			—			3			152
Provision			(125)			498			138			(66)			(25)			(87)			5			338
Balance at March 31, 2024		$	21,263		$	5,322		$	8,063		$	12,035		$	942		$	331		$	229		$	48,185

Unfunded Commitment

Schedule of activity in the ACL on unfunded commitments


		Commercial			Commercial			Commercial			Residential
		Real Estate			Construction			and Industrial			Real Estate			Consumer			Total

		(in thousands)

Balance at December 31, 2024		$	947		$	1,398		$	793		$	359		$	9		$	3,506
Provision			(40)			(354)			(103)			(9)			—			(506)
Balance at March 31, 2025		$	907		$	1,044		$	690		$	350		$	9		$	3,000

Balance at December 31, 2023		$	411		$	2,351		$	882		$	254		$	20		$	3,918
Provision			(51)			(421)			(37)			4			(1)			(506)
Balance at March 31, 2024		$	360		$	1,930		$	845		$	258		$	19		$	3,412